Loss Of Use

Transportation expense coverage

Loss of use reimburses the Insured for a flat sum to help with expenses for each qualified disablement on a covered vehicle. That means a loss that is covered by the comprehensive or collision coverage on the policy in question. Those coverages however must exceed your deductible amount, and in the event of a loss, the payment will be the maximum limit. There are two coverage options for Loss of Use: $25 a day for a maximum of $500 for expenses: $50 a day for a max of $1000 for extra expenses.

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Customized Equipment

Covers costs of custom parts such as wheels if damaged.

Rental Car Reimbursement

Covers cost of rental cars for 30 days while yours is repaired.

Uninsured

Covers losses by an uninsured driver.

New Car Replacement

This coverage option gives you an agreed-upon sum for a car that is a total loss.

Rideshare

Protects drivers who work for rideshare companies such as Uber and Lyft.

Auto Liability

Covering the costs of damage to others and their property.

Personal Umbrella

This coverage will help protect your assets from lawsuits.

Medical Payments

Covers medical costs for passengers who have been injured in an accident, no matter who is at fault.

Towing and Roadside Service

Covers costs of towing, also providing 24/7 roadside assistance for disabled vehicles.

Original Equipment Manufacturer (OEM)

Coverage available on cars up to 10 years old.

Full Windshield and Glass Coverage

This coverage offers a $0 deductible on glass repair, paying nothing out of pocket.

Accident Forgiveness

Coverage for this keeps your premium from going up. In addition, Farmers forgives one at-fault accid

New Car Replacement Coverage

This coverage covers the cost to replace the same make and model of your damaged car.

Glass Deductible Buyback

Covers cost of damaged windshields, glass repair, and replacement.

Comprehensive

Covering damage to car besides collision, such as hail or theft.

Personal Injury Protection

Helps you cover cost of medical rehabilitation no matter who’s at fault.

Collision

Type of insurance covering collision with other vehicles, objects, and animals.

Spare Parts Coverage

Policy covers costs of spare parts that were used because of damage.

Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

murgo@mikeurgo.com

860-415-6240

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Our Team

Mike Urgo

A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.

Lynn Belanger

Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.

Kristin Wenzloff

Kristin Wenzloff is a 6-year veteran of Farmers Insurance. Kristin is very familiar with all of our central Connecticut customers and is happy to help all of our clientele at any time.

Meet our Clients

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"Exceptional customer service. Called me back the next day with a quote. Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage. Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐

Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs. Thank you for a great experience!”

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Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

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"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

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"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

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"Trustworthy agent who really cares about his business."

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